CFPB Dusts Off Rules to Foil Sneaky Land Scams
Published Date: 3/20/2026
Notice
Summary
The Consumer Financial Protection Bureau wants to bring back a paperwork rule that helps protect people buying land from shady developers. This affects businesses selling big land subdivisions and asks for public comments by April 20, 2026. It won’t cost much but will keep things honest and clear for buyers and sellers alike.
Analyzed Economic Effects
3 provisions identified: 1 benefits, 2 costs, 0 mixed.
Buyers Must Receive Property Reports
If you buy or lease a lot in a subdivision of 100 or more non-exempt lots, the developer must give you a disclosure document called a property report (see 15 U.S.C. 1703-1704) before the sale or lease. This rule is intended to protect lot purchasers by providing key information about the property.
Registration Required for Large Subdivisions
If you are a land developer selling subdivisions of 100 or more non-exempt lots, you must register those subdivisions with the Consumer Financial Protection Bureau and submit information under the Interstate Land Sales Full Disclosure Act (ILSA). The Bureau estimates 197 respondents and a total annual burden of 3,412 hours for this information collection (OMB Control Number 3170-0012); comments are due April 20, 2026.
CFPB Enforcement of ILSA Compliance
The Bureau will collect information to assure compliance with ILSA and investigates developers who are not in compliance with the regulations implementing 15 U.S.C. 1703-1704. Businesses that fail to comply may be subject to investigation by the CFPB.
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